The present study investigates the relationship of two independent variables – (i) trust and (ii) willingness to use credit cards for electronic transactions – on electronic-commerce (e-commerce) adoption. In addition to postulating that these two variables independently have a positive relationship with e-commerce adoption, the study further postulates that the two variables interact to influence adoption. Test results based on quantitative data showed the interactive effect is significant. The study also analyses e-commerce adoption using qualitative data. The combination of quantitative and qualitative findings provides a richer understanding of the effect of trust and willingness to use credit cards on e-commerce adoption.